bg
Chcę wiedzieć o...
Strona główna
ENG
EIOPA expects insurance undertakings to avoid instruments banned or restricted by ESMA

EIOPA expects insurance undertakings to avoid instruments banned or restricted by ESMA

Dodano: 2018-06-05

On 1 June, the European Insurance and Occupational Pensions Authority (EIOPA) published a statement on consumer detriment resulting from policyholder exposure to contracts for differences (CFDs) and binary options. 

Considering potential future risks to policyholders, EIOPA expects insurance undertakings to avoid as possible direct underlyings of insurance-based investment products, instruments for which the European Securities and Markets Authority (ESMA) has issued a ban or restriction. In general, uses of product intervention powers in one sector should never be circumvented by repacking the instruments that have been banned or restricted for offer in another sector.

At this juncture, there is no evidence of direct policyholder exposure to CFDs or binary options, whilst the possibility of such policyholder exposure to CFDs or binary options developing seems not highly probable. However, EIOPA’s experience has been that unexpected and complex risks have increasingly been offered as potential units within unit-linked contract raising supervisory concerns. For this reason, EIOPA remains cautious on the matter.

Within its remit, EIOPA will use the available powers and measures to ensure the integrity, transparency, efficiency and orderly functioning of financial markets and that customers’ interests are adequately protected throughout the European Union. Specifically, EIOPA and National Competent Authorities will continue to monitor the market for insurance-based investment products, including those providing direct exposure to complex and risky underlyings, in view of whether other restrictions or bans should be necessary.

Artykuły powiązane

ZUS odzyskał ponad 150 mln zł dzięki kontrolom zwolnień lekarskich w pierwszej połowie 2025 roku

W pierwszych sześciu miesiącach 2025 roku Zakład Ubezpieczeń Społecznych zdołał odzyskać aż 150,5 mln zł poprzez dokładn...

VAT w odszkodowaniu z OC – decyzja Sądu Najwyższego przesunięta na wrzesień

Sąd Najwyższy odroczył do 24 września 2025 roku podjęcie uchwały, która miała rozstrzygnąć, czy podatek VAT powinien być...

Zastrzeżony PESEL a ubezpieczenie OC – koniec z polisami na cudze dane

Od 27 listopada 2025 roku w życie wejdą przepisy, które umożliwią ubezpieczycielom sprawdzanie, czy numer PESEL osoby ub...